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AIB Group plc

A5G.IR

€10.61 2.07% Quote Jun 17, 3:34 PM

Exchange DUB Sector Financial Services Industry Banks Regional

Q4 2024

Reported

Published: Dec 31, 2024

Data: Financial Modeling Prep

Company Status Snapshot

Fast view of the latest quarter outcome for A5G.IR

Report Date

Dec 31, 2024

Quarter Q4 2024

Revenue

1.23B

YoY: +1.3%

EPS

0.25

YoY: +13.6%

Market Move

+2.07%

Previous quarter: Q3 2024

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Earnings Highlights

Gross Margin

100.0%

Net Income

622.00M

YoY: +6.1%

Transcript not provided

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A5G.IR

Company A5G.IR

Period Q4 2024

Currency EUR

Report Type Quarterly Earnings

Generated Jun 18, 2026

Swipe to view all report sections

Executive Summary

AIB Group plc reported QQ4 2024 revenue of €1,225 million and net income of €622 million, delivering a net income margin of approximately 50.8% and an earnings per share (EPS) of €0.25. Year-over-year, revenue grew by 1.32% and net income rose by 6.05%, while quarter-over-quarter performance was broadly flat across key profitability metrics. The quarter showcased a durable profitability profile, with operating income of €766.5 million and an operating margin of about 62.6% per reported data, underscoring the bank’s ability to convert revenue into earnings even as some balance sheet and cash-flow dynamics introduce near-term headwinds.

Key Performance Indicators

Revenue

Increasing

1.23B

QoQ: 0.00% | YoY: 1.32%

Gross Profit

Increasing

1.23B

1.00% margin

QoQ: 0.00% | YoY: 1.32%

Operating Income

Increasing

766.50M

QoQ: 0.00% | YoY: 0.52%

Net Income

Increasing

622.00M

QoQ: 0.00% | YoY: 6.05%

EPS

Increasing

0.25

QoQ: 0.00% | YoY: 13.64%

Revenue Trend

Margin Analysis

Financial Highlights

Revenue: €1,225,000,000; YoY +1.32%; QoQ +0.00%
Gross Profit: €1,225,000,000; YoY +1.32%; QoQ +0.00%
Operating Income: €766,500,000; YoY +0.52%; QoQ +0.00%
Net Income: €622,000,000; YoY +6.05%; QoQ +0.00%
EPS: €0.25; YoY +13.64%; QoQ +0.00%
Operating Cash Flow: -€220,500,000; Net Change in Working Capital: -€1,270,000,000; Other Working Capital: -€1,270,000,000; Free Cash Flow: -€229,500,000
Cash and Equivalents: €37,705,000,000; Cash & Short-Term Investments: €41,396,000,000
Total Assets: €141,266,000,000; Total Liabilities: €125,839,000,000; Total Stockholders’ Equity: €15,436,000,000
Current Ratio: 0.382; Quick Ratio: 0.382; Cash Ratio: 0.342
Debt Ratio: 0.0817; Debt/Equity: 0.748; Company Equity Multiplier: 9.15
Long-Term Debt: €11,547,000,000; Short-Term Debt: €2,442,000,000; Net Debt: -€26,158,000,000
Change in Dividends: Dividends Paid €23,000,000; Other Financing Activities: €853,000,000; Net Cash from Financing Activities: €929,000,000

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	1.23B	1.32%	0.00%
Gross Profit	1.23B	1.32%	0.00%
Operating Income	766.50M	0.52%	0.00%
Net Income	622.00M	6.05%	0.00%
EPS	0.25	13.64%	0.00%

Key Financial Ratios

Current Ratio

Concern

0.38

Current ratio below safe levels, potential liquidity risk

Debt to Equity

Elevated

0.75

Debt-to-equity shows significant leverage, monitor debt levels

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q4 2025	2,922.00	0.55	+138.5%	View
Q2 2025	1,073.50	0.39	+75.3%	View
Q1 2025	1,073.50	0.20	-11.2%	View
Q4 2024	1,225.00	0.25	+1.3%	View
Q3 2024	1,225.00	0.25	+1.3%	View

Source & Methodology

Data provider: Financial Modeling Prep (FMP). Figures are pulled directly from filed company reports.
Year-over-year (YoY): Each line is compared to the same fiscal quarter one year prior; figures sourced from the company's own filings.
Quote freshness: The price shown above the report is a live quote, separate from the as-filed report numbers. Live quotes can lag a few minutes.
Time zone: Report dates and timestamps follow the company's filing time zone unless otherwise noted.

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AIB Group plc (A5G.IR) Q4 2024 Earnings Report

Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Historical Earnings Comparison

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